Since the date of lending, banks do not accept the business of repaying loans in the previous year in advance. After one year, there will be an opportunity to repay in advance every year, and the repayment amount must be an integer multiple of 5000 yuan. If you pay off in advance for the last time, the bank will charge you an extra month's interest as a fine.

The policies of different banks are mostly the same. For details, it is best to consult professionals in the Credit Department of Postal Savings Bank.